The DOI matches its Crossref record; 6 of the 6 references it cites were found in a registry or an index.
Are Trust and Distrust Distinct Constructs? An Empirical Study of the Effects of Trust and Distrust among Online Banking Users
Abstract
This study provides insights on the trust-related factors that influence consumer intentions to use online banking. Specifically, the study examines the relationships between trustworthiness, trust, distrust, and user intentions to use online banking services. Over 500 college students located across two different universities completed a survey designed to examine the effects of trustworthiness perceptions on trust and distrust, and the downstream influence of trust and distrust on intention to use. As hypothesized, results indicate that trust and distrust are distinct constructs, and that the established nomological network between trustworthiness, trust, and intention hold in the current context. Also supported is the new contention that trustworthiness is negatively related to distrust, and that distrust has a negative effect on intention to use. Finally, our hypothesis examining the relative contribution of trust and distrust on user intentions was not supported. In the context of this study, trust overwhelmed distrust.
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Trust is characterized by hope, faith, or assurance, and distrust by scepticism, fear, suspicion or vigilance.
“Among others, trust is characterized by hope, faith, or assurance, and distrust by scepticism, fear, suspicion or vigilance (Benamati et al., 2006;Cho, 2006;Lewicki et al., 1998).”
From Trust, distrust, and appropriate reliance in (X)AI: A conceptual clarification of user trust and survey of its empirical evaluation (2025) · cites this paper as Benamati et al., 2006
Trust and distrust co-existed as distinct constructs in the context of online banking and online shopping.
“trust and distrust co-existed as distinct construct in the context of online banking (Benamati et al., 2006) and online shopping (Ou & Sia, 2010).”
From Trust, distrust, and appropriate reliance in (X)AI: A conceptual clarification of user trust and survey of its empirical evaluation (2025) · cites this paper as Benamati et al., 2006
Citations
Cites
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A trust model for consumer Internet shopping
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“Trust as a precursor to intention to use an online bank has also been established [4, 30].”
BackgroundResultInfluentialSuspicion and Dispositional Inference
Hilton, J. L., Fein, S., & Miller, D. T. (1993) · Personality and Social Psychology Bulletin · doi:10.1177/0146167293195003 · Cited by 171
Flagged first, then by citations
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Cited by
Sorted by citations
Trust and distrust on the web: User experiences and website characteristics
Seckler, M., Heinz, S., Forde, S., Tuch, A. N., & Opwis, K. (2015) · Computers in Human Behavior · doi:10.1016/j.chb.2014.11.064 · Cited by 223
Visser, R., Peters, T. M., Scharlau, I., & Hammer, B. (2025) · Cognitive Systems Research · doi:10.1016/j.cogsys.2025.101357 · Cited by 58
Metadata
- Authors
- Benamati, J., Serva, M. A., & Fuller, M. A.
- Venue
- Proceedings of the 39th Annual Hawaii International Conference on System Sciences (HICSS'06)
- Publisher
- IEEE
- Published
- 2006
- Pages
- 121b-121b
- Cited by
- 28
- References
- 6
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